I was brought up with a bit of wine with my dinner like the French would do. These days, well, I'm 27... I like a party, but feel grateful growing up I learnt to respect alcohol rather than it being a naughty thing to sneak at with friends in the park.

Ah gutted for you... It'd be lovely if people weren't generally horrible, but alas that seems like it's not meant to be! Hope your cards get sorted, my bank is quite decent but then again I work for them!!